North Dakota CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$3,795/mo
138% FPL
Healthy Steps limit
$5,638/mo
205% FPL
North Dakota covers children through Medicaid at income levels up to 205% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (138% FPL) | Healthy Steps limit (205% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $1,835/mo | $2,727/mo | $32,724/yr |
| 2 people | $2,489/mo | $3,697/mo | $44,364/yr |
| 3 people | $3,142/mo | $4,667/mo | $56,004/yr |
| 4 people | $3,795/mo | $5,638/mo | $67,656/yr |
| 5 people | $4,448/mo | $6,608/mo | $79,296/yr |
| 6 people | $5,101/mo | $7,578/mo | $90,936/yr |
| 7 people | $5,755/mo | $8,549/mo | $102,588/yr |
| 8 people | $6,408/mo | $9,519/mo | $114,228/yr |
| Each additional person | +$653/mo | +$970/mo | +$11,644/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with North Dakota's Medicaid agency.
Quick North Dakota CHIP Eligibility Check
How to Apply for Healthy Steps in North Dakota
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through North Dakota
Contact North Dakota's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for Healthy Steps any time of year. Apply as soon as your child loses other coverage or your income changes.